Terms & Conditions

This Web site is maintained by Susquehanna Bancshares, Inc. on behalf of itself
and its subsidiaries ("Susquehanna"). Please read the following terms and conditions
carefully. Your use and access to this Web site is subject to the following terms
and conditions and all applicable laws. By accessing and using this Web site, you
agree to be bound by these terms and conditions and to accept them in full, as they
may be modified from time to time and posted on this Web site.

Copyrights and Other Intellectual Property.
Except where otherwise expressly noted, all contents of this Web site, including
the graphics, icons and overall appearance of the Web site, are the sole and exclusive
property of, or are duly licensed to, Susquehanna. The posting of the contents of
this Web site neither constitutes a waiver of Susquehanna's proprietary rights or
any other party's proprietary rights, including, without limitation, copyrights,
trademarks, servicemarks, patents and other intellectual property, nor a transfer
by implication, estoppel or otherwise of any such rights or of any license to the
Web site. Contents of this Web site are protected by United States and international
copyright laws, both as individual work and as a collection, and by United States
and international trademark laws. You agree not to delete any copyright, trademark
or similar notice from any contents you obtain from this Web site.

Permitted Use.
You are hereby authorized to view and copy the information available on this Web
site for personal or educational purposes only. The information and materials may
not otherwise be reproduced, displayed, downloaded, licensed, modified, distributed,
retransmitted, disseminated, reposted, sold, published, broadcast, circulated, used
to create a derivative work or otherwise used for public or commercial purposes
without the prior written consent of Susquehanna Bancshares, Inc., which may be
withheld in its sole discretion.

Limitation of Warranties and Liability.
This Web site and its contents are provided “as is.” Susquehanna specifically disclaims
all warranties of any kind, either expressed or implied, including, without limitation,
any warranties of title or accuracy and any implied warranties of merchantability
fitness for a particular purpose, non-infringement, or error-free or uninterrupted
service, with the sole exception of warranties (if any) which cannot be expressly
excluded under applicable law. Susquehanna also makes no endorsement, representation
or warranty, either expressed or implied, with respect to any Web site operated
by a third party. In no event shall Susquehanna be liable for any special, incidental,
indirect, consequential or punitive damages of any kind or any damages whatsoever
resulting from the use of this Web site or in connection with any failure of performance,
error, omission, interruption, defect, delay in operation or transmission, computer
viruses, line system failure, loss of use or loss of data related to this Web site
or any Web site operated by a third party, or the contents of this Web site or any
other, whether or not advised of the possibility of damage. Susquehanna shall not
be liable on any theory of liability arising out of or in connection with the use
of performance of this information. Descriptions of, or references to, products,
services or publications on this Web site do not imply endorsement of such product,
service or publication. Susquehanna makes no warranty of any kind with respect to
the subject matter included herein, the products listed herein, or the completeness,
accuracy or reliability of the information. Some jurisdictions do not allow limitations
on how long implied warranties last, the exclusion of certain incidental or consequential
damages or the exclusion of certain implied warranties, so that these disclaimers
and limitations may not apply to you.

Links to Other Web sites.
Susquehanna may establish links between this Web site and one or more Web sites
operated by third parties. Susquehanna has no control over any such other Web sites,
the contents therein or the products or services offered. The existence of any such
links shall not constitute an endorsement, representation or warranty by Susquehanna
of such Web sites, the contents of the Web sites, the products or services of the
Web sites or the operations of the Web sites. Susquehanna disclaims responsibility
for the privacy policies and customer information practices of third-party Internet
sites hyperlinked to our sites.

Additional Limitations/Prohibitions.
Although Susquehanna may from time to time monitor or review discussions, chats,
postings, transmissions, bulletin boards and the like on this Web site, Susquehanna
is under no obligation to do so and assumes no responsibility or liability arising
from the content of any such locations nor for any error, defamation, libel, slander,
omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained
in any information contained within such locations on this Web site. You are prohibited
from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene,
scandalous, inflammatory, pornographic or profane material or any material that
could constitute or encourage conduct that would be considered a criminal offense,
give rise to civil liability, or otherwise violate any law. Susquehanna will fully
cooperate with any law enforcement authorities or court order requesting or directing
Susquehanna to disclose the identity of anyone posting any such information or materials.

Information Sent to Susquehanna.
Any ideas, concepts, comments, suggestions and the like you submit
to Susquehanna by means of this Web site or otherwise shall be deemed and remain
the property of Susquehanna. Susquehanna shall be entitled to use such information
for any purpose whatsoever, including, but not limited to, reproduction, disclosure,
transmission, publication and posting. Susquehanna is entitled to treat such information
as non-confidential and non-proprietary, unless Susquehanna has previously agreed
with you in writing to keep such information confidential or unless required by
law.

No Advice or Reliance.
Information on this Web site is not intended to provide legal, accounting
or tax advice and should not be relied on for such purposes.

Revisions.
Susquehanna may at any time revise these Terms and Conditions by updating
this posting. You are bound by any such revisions and should therefore visit this
page periodically to review the then current Terms and Conditions to which you are
bound.

Governing Law.
These terms and conditions shall be governed by and construed in accordance
with the laws of the Commonwealth of Pennsylvania, without regard to its conflict
of laws provisions, and to the laws of the United States.

Severability.
To the extent any portion of these Terms and Conditions is determined
to be unenforceable by a court of competent jurisdiction, such portion will be modified
by the court solely to the extent necessary to cause such portion to be enforceable,
and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver.
No waiver by Susquehanna of any right under, or term or provision of,
these Terms and Conditions will be deemed a waiver of any other right under, or
of any other term or provision of, these Terms and Conditions at that time or at
any other time.

Contact. Please
Contact Us
with questions or problems with this Web site.

This publication could include technical inaccuracies or typographical errors. Changes
may be made at any time to the information herein without prior notice.